Investor Presentaiton
Differentiated business model
Meet OneMain
Largest nonprime installment lender uniquely positioned
•
Our vision is to be the lender of choice for the
nonprime consumer, solving their current needs while
enabling progress toward a better future
Hybrid operating model, including leading digital
capabilities and national branch network rooted in local
communities
⚫ Diverse product suite of unsecured and secured loans, as
well as credit card and other optional products'
• Unparalleled understanding of target customer from
proprietary experience and data
•
100+ years operating history coupled with leading
data and analytics, AI, and machine learning
support strong loss performance
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OC
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Competitive Advantages
>19MM
Customers
Served²
>$192B
Cumulative
Originations²
-80%
Of New Customer
Applications Begin Online
-50%
More predictable, lower
loss return customers
~45%
Of Loans Closed
Digitally
We serve hardworking Americans with a financial need
Note: Data as of June 30, 2023, unless otherwise noted.
*As of June 30, 2023. See 2Q2023 earnings presentation appendix and earnings release for Non-GAAP Financial Measures reconciliations along with defined terms.
1. OneMain offers credit insurance products, term life insurance, income protection products, and membership plans.
OneMain Financial.
2. 2006 to 2Q2023.
$8.4B
$
Unencumbered
$
Loans*
$7.4B
Committed Bank
Capacity
$21.4B
C&I Managed
Receivables*
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